Development Assistant: Palli Karma Sahayak Foundation (PKSF)At present micro-credit program has been spread throughout CHT and mainly run by giant national NGOs. In CHT till now, credit activities are normally delivered in the Upazila Headquarter, Market areas, densely populated areas and along the highway sides. Many national NGOs have been operating simultaneously in these points or places. As a results of it there has been overlapping seriously. Moreover, it is assumed that national micro-credit model which is designed for plain areas of Bangladesh does not applicable/suitale in diverge socio-economic context of CHT. In 2004, CIPD initiated formulate a micro-credit module applicable to specific socio-economic context of CHT. It is notable that the remote and sparsely populated rural people of CHT are normally deprived from getting credit facilities. In fact, till today local NGOs could not contribute comprehensively in micro-credit program in CHT due to lack of capacity and experience.